2. Pay yourself first 1 An investment in a money market is not insured or guaranteed by the Federal Deposit Insurance Corporation or any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund. 2 The shorter the time frame, the more conservative an allocation should be. Market fluctuations will affect the ability of your investment to reach your desired goal in a specified period of time. The value of mutual funds fluctuate and shares, when redeemed, may be less than the original value. Investments in mutual funds involve risk, including loss of principal. 3 See next page for fund descriptions. 1. Emergency Fund: 100% Money Market Fund 1 2. Short-Term Fund(s): Conservative Allocation 2 3. Wealth-Building Concepts 3 : Retirement Age Growth Years Growth Funds Income Years Income Funds Balanced Funds

3. The “Time Value” of Money The hypothetical 9% nominal rate of return, compounded monthly, and tax- deferred accumulation shown for both IRA accounts are not guaranteed or intended to demon- strate the performance of any actual investment. Unlike actual investments, the accounts show a constant rate of return without any fees or charges. Any tax-deductible contributions are taxed and tax-deferred growth may be taxed upon withdrawal. Withdrawals prior to age 59 1/2 may be subject to a 10% penalty tax. Assumes payments are made at the beginning of each year. Investing entails risk, including loss of principal. Shares, when redeemed, may be worth more or less than their original value. 30073,580 31080,480 32088,030 33096,290 340105,320 350115,200 360126,010 370137,830 380150,760 390164,900 400180,370 410197,290 420215,790 430236,040 440258,180 450282,400 460308,890 470337,870 480369,560 490404,230 500442,150 510483,620 520528,990 530578,610 540632,890 550692,260 560757,200 570828,230 580905,920 590990,900 6001,083,860 6101,185,530 6201,296,740 6301,418,380 6401,551,440 6501,696,970 6601,856,160 6702,030,280 $44,000 $2,030,280 Investor A AgeAnnualEnd of Year PaymentAccumulation Investor B AgeAnnualEnd of Year PaymentAccumulation Individual A: Started contributing At Age 22 Individual A: Stopped contributing At Age 29 Total Contributions Total Accumulation At Age 67 Individual B: Started contributing At Age 30 Individual B: Stopped contributing At Age 67 Total Contributions 235,50012,600 245,50019,790 255,50027,670 265,50036,280 275,50045,700 285,50056,000 295,50067,270 22$5,500$6,020 30$5,500$6,020 315,50012,600 325,50019,790 335,50027,670 345,50036,280 355,50045,700 365,50056,000 375,50067,270 385,50079,590 395,50093,080 405,500107,820 415,500123,950 425,500141,600 435,500160,900 445,500182,010 455,500205,100 465,500230,350 475,500257,980 485,500288,190 495,500321,240 505,500357,390 515,500396,930 525,500440,190 535,500487,490 545,500539,240 555,500595,840 565,500657,750 575,500725,470 585,500799,540 595,500880,560 605,500969,170 615,5001,066,110 625,5001,172,130 635,5001,288,100 645,5001,414,950 655,5001,553,700 665,5001,705,460 675,5001,871,460 2200 2300 2400 2500 2600 2700 2800 2900 $209,000 $1,871,460 3 The “Time Value” of Money It can’t be stressed enough: the sooner you start to save, the less you have to put away. Look at how opening an IRA today can help you secure a comfortable retirement.

4. Compound Interest $300,000 $100,000 0 Years10203040 $361,099 $10,000 A one-time investment of $10,000 with a 9% rate of return. This is a hypothetical and does not represent an actual investment. Actual investments will fluctuate in value. It does not include fees and taxes, which would lower results. Rate of return is a constant nominal rate, compounded monthly. One of the most important keys to wealth you can ever learn is the power of compound interest. 4

5. The Rule of 72 This table serves as a demonstration of how the Rule of 72 concept works from a mathematical standpoint. It is not intended to represent an investment. The chart uses constant rates of return, unlike actual investments which will fluctuate in value. It does not include fees or taxes, which would lower performance. It is unlikely that an investment would grow 10% or more on a consistent basis. Years3%6%12% 0$10,000$10,000$10,000 12$20,000$40,000 42$1,280,000 48$40,000$160,000$2,560,000 30$320,000 6$20,000 24$20,000$40,000$160,000 36$80,000$640,000 18$80,000 equals the number of years it takes your money to double. Dividing 72 by the interest rate 5

6. The Importance of Rate of Return This is a hypothetical and does not represent an actual investment. This example uses a constant rate of return whereas actual investments will fluctuate in value. It does not include fees and taxes which would lower results. A one-time $1,000 investment with a 3%, 6% and 9% rate of return. Look at the amounts that have accumulated at various rates of return and can be withdrawn at age 67. $55,100 6% $7,400 3% $406,400 9% 6

7. What Is a Mutual Fund? Did you know the typical mutual fund holds more than 150 stocks on average? The specific companies listed do not constitute a recommendation to buy or sell securities. Note: Each mutual fund invests differently. Read the mutual fund’s prospectuses to determine how a fund may invest and to determine its current holdings. Mutual funds are actively managed portfolios and incur advisory fees and internal management costs. The value of a fund fluctuates and, shares, when redeemed, may be less than the original value. Investments in mutual funds involve risk including loss of principal. Source: Morningstar. Average based on 3,276 U.S. domestic equity open-end funds. Top Holdings Examples Consumer The Proctor & Gamble Company (Folger’s, Crest, Duracell, Gillette, Tide) Entertainment The Walt Disney Company (ABC Television Network, Disney Channel, Walt Disney World Theme Park) Pharmaceuticals Pfizer, Inc. (Zyrtec, Zoloft, Celebrex) Telecommunications Verizon Communications, Inc. (Wireless, long-distance telephone, broadband internet) Consumer McDonald’s Corporation Technology Microsoft Corporation (Windows computer software, Xbox video game system) Individual Investors Professionally Managed Money

8. The Three “Ds” of Investing A good way to keep your focus on your goals is to remember the three Ds of investing: Dollar-Cost Averaging — Investing a certain fixed amount each month, regardless of what’s happening in the stock market. Dollar-Cost averaging does not assure a profit or protect against loss. Investors should consider their ability to continue investing during a declining market. Discipline — Staying focused and invested through all market activity. Diversification — Building your portfolio by balancing a variety of investments. Diversification does not assure a profit or protect against loss. 8

9. Dollar-Cost Averaging Here’s how dollar-cost averaging works. Investor A began purchasing his shares as the market soared. Right after Investor B started purchasing his shares, the market fell and then recovered to where it was at the beginning of his investment period. Who do you think earned more shares? 9

10. Dollar-Cost Averaging Systematic Investing allows you to use dollar-cost averaging to build wealth over the long term. Which example would you prefer? Dollar-cost averaging is a technique for lowering average cost per share over time. Dollar-cost averaging cannot assure a profit or protect against loss in declining markets. Investors should consider their ability to continue to invest in periods of low-price levels. These values are hypothetical and not intended to reflect any specific market period. Investor A Month 1Month 2Month 3Month 4Month 5Month 6 Per share: $10$12$14$16$18$20 # of shares: 10.008.337.146.255.565.00 Investor B Per share $10$7$4$2$6$10 # of shares 10.0014.2925.0050.0016.6710.00 Invests $100 per month Invests $100 per month Number of Shares Accumulated 42 Number of Shares Accumulated 126 Amount InvestedNumber of SharesAverage Cost in 6 monthsAccumulated Per Share A$60042.28$14.19 B$600125.95$4.76 Month 1Month 2Month 3Month 4Month 5Month 6 $20 18 16 14 12 10 8 6 4 2 0 Share Price Investor A invests $100 a month in a rising market. Investor B invests $100 a month in a fluctuating market. Investor A Rising Market A Investor B B Fluctuating Market 10

11. Bypass the Middleman Become an owner, not a loaner. Global Economy Your Money CDs and savings accounts are generally FDIC insured up to $250,000. 11

12. You would have actually lost purchasing power! Are You Earning a Guaranteed Loss? This is a hypothetical situation. If your tax bracket is not 25%, results will vary. You invest $10,000 at a 1% rate of return in your local bank … You earn interest for the year:$100 But you pay $25 in taxes on that interest at 25%- $25 So, your net earnings are:$75 Your resulting balance would be$10,075 … but if inflation is 3%, your buying power would be reduced to: $9,782 12

13. The Three-Legged Stool For years, financial experts used the analogy of a three-legged stood to demonstrate the primary sources that provide retirement income. Personal Savings Company Pensions Social Security 13

14. By 2033 there may be only enough money to pay about 75 cents on the dollar of scheduled Social Security Benefits, according to the 2013 Social Security Summary of Annual Reports. “The average monthly Social Security benefit for a retired worker was about $1,294 at the beginning of 2014.” — ssa.gov, May 20, 2014 Social Security 14

15. It’s up to you to fund your retirement. Personal Savings 15

16. Don’t Just Save — Invest! With the problem of low returns in “safe” investments, where can you go to have the opportunity to get the kind of rate of return you need to keep ahead of the savings game? Equity investments (the stock market) Source: Morningstar. Past performance is no guarantee of future results. This chart is for illustrative purposes and does not represent an actual investment. Further, the returns do not reflect the past or future performance of any specific investment. All investments involve risk including loss of principal. The figures in the chart above assume reinvestments of dividends. They do not reflect any fees, expenses or tax consequences, which would lower results. Because these indices are not managed portfolios, there are no advisory fees or internal management expenses reflected in their performance. Investors cannot invest directly in any index. The figures represent an initial investment of $10,000. The Standard & Poor’s 500 ®, which is an unmanaged group of securities, is considered to be representative of the stock market in general. Bonds are represented by the Barclays Capital Aggregate Bond Index is an intermediate term market capitalization — weighted index, meaning the securities in the index are weighted according to the market size of each bond type. Most U.S. traded investment grade bonds are represented. Municipal bonds and treasury inflation-protected securities are excluded, due to tax treatment issues. The index includes treasury securities, government agency bonds, mortgage-backed bonds, corporate bonds, and a small amount of foreign bonds traded in U.S. The U.S. 30- Day T-bills are government backed short-term investments considered to be risk-free and as good as cash because the maturity is only one month and are represented by the IA SBBI US 30 Day T-Bill TR index. Treasury Bills are secured by the full faith and credit of the U.S. Government and offer a fixed rate of return, while an investment in the stock market offers no such guarantee. Inflation history is represented by the IA SBBI US Inflation index. Rate of Return Is the Key What kind of return do you need to reach your goals? Growth of a $10,000 Investment (December 31, 1983 to December 31, 2013) S&P 500 TR 11.09% $234,830 $23,029 U.S. Inflation 2.82% 30-Day T-Bills 4.01% $32,487 U.S. Long-Term Gov’t Bonds 7.74% $93,611 16

17. 17 What $50 a month can become

18. 18 What $50 a month can become